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Scientists has made progress into discovering why the human skin responds the way it does to radiation and what triggers the most aggressive forms of skin caner, it has been claimed.

According to the Cell Press, such a discovery may be useful in developing new strategies for preventing malignant melanoma, news which may interest people concerned about the condition and considering life insurance.

Dr Rutao Cui, from the Oncology Institute at Loyola University Chicago, found that the paired-box homeotic gene 3 was commonly seen in melanomas from sun-exposed skin, compared to that which had been protected.

Commenting on the study, Dr Cui says that it will enable the team to target "small molecules in the signaling pathways of the UV-induced melanogenic response that are highly likely to induce naturally protective pigmentation".

The British Association of Dermatologists says that the most serious type of skin cancer are melanomas, which may be diagnosed from an irregular mole.

However, a critical illness cover policy may ensure that should the worst happen to someone diagnosed with skin cancer, their partner may be financially protected.